Expatriate & Foreign Investor Guide

Morocco welcomes expatriates and foreign investors who bring skills, capital and diversity to the economy. To stay in the country long term, foreigners must obtain residency permits. These include work visas for employees, investor visas for business owners, student visas and retirement residency for pensioners. Applications are submitted to local police headquarters and require documentation such as passports, employment contracts, proof of funds and criminal record checks. Residency permits are typically valid for one year and renewable.

Living in Morocco offers a blend of traditional and modern lifestyles. Major cities provide international schools, healthcare facilities and shopping malls, while rural areas offer tranquility and authentic cultural experiences. The cost of living is generally lower than in Western Europe, although imported goods can be expensive. French and Arabic are widely spoken, with increasing use of English in business circles. Learning basic phrases in Moroccan Arabic (Darija) helps in daily interactions.

Cultural norms emphasize hospitality, respect for elders and family values. Business meetings often start with informal conversations and tea. Dress codes are modest, especially outside cosmopolitan areas. Ramadan is observed by the majority of the population, during which working hours may be reduced and restaurants closed during daylight. Understanding local customs facilitates integration and builds trust.

Foreign investors should familiarize themselves with banking procedures, currency controls and taxation. Opening a bank account requires a residency card or tax identification number. Transfers of funds into and out of Morocco must comply with regulations managed by the Office des Changes. Professional advice from lawyers, accountants and relocation agencies can smooth the transition.

Overall, expatriates find Morocco a friendly and culturally rich destination. With its diverse regions — from the Mediterranean coast to the Sahara Desert — and a welcoming population, the country offers a high quality of life and rewarding business opportunities.